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Page 01 of 6

Infosys Clever ATM Solution

Abstract:

As attracting & retaining gen-Y for banking products becomes increasingly difficult, banks are trying to provide more personalized services to differentiate themselves and maintain profitability. This paper illustrates how banks can leverage their converged networks of ATM centers cost effectively to increase both customer satisfaction and loyalty through Infosys' Clever ATM solution.

Jan 2009

Page 02 of 6

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Clever ATM Center - for digital consumers

Clever ATM services deliver a personalized experience by providing a concept of an automated

demand draft or a check book machine & an instantly account opening machine, with the

additional utility of a finger print scanner to hotel bank customers. The Clever ATM does this by leveraging • Printing facility • Information and data about customer with centralized data center

Executive Summary-

The objective is to introduce a concept Clever ATM machine with a facility of an automated demand draft or a check book machine (very similar to an ATM or could be a modified ATM machine itself) that can generate Demand drafts or Checks (in case you are running short check leaves.).The system just like the ATM withdrawal procedure can verify if the user's account has sufficient credits to which the Demand Draft can be issued for the demanded amount. If the account lacks the credits the system should reject the demand or else should print out a Demand Draft immediately.

With the same concept, the user can request for a limited number of check leaves (say 5 or 10), which can be issued to the customer immediately.

The machine would be designed with a facility to open an account instantly, with the additional utility of a finger print scanner.

Pg

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Page 03 of 6

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Understanding of the Requirements Section

The issue of Demand Drafts and checks are slightly different hence we shall deal with them separately.

Demand Drafts

Demand draft leaves are usually printed at high security press. The machine should always have a set of these printed demand drafts leaves. The Actual physical process that requires the Demand Drafts to be issued is nothing but a normal print out on these leaves. Then the Banker's signature is added to the printed Draft leave.

Checks

Unlike DD, Checks need not have any back end verifications or account inference. They are nothing but pre printed leaves that can be issued to the customer (physically just like currency notes), but accounted for its issue.

Instant Account Opening

The actual account opening for any branch would take only a few minutes. The only aspect that happens is the customer details accumulation. Once the Government has issued an UID, with the additional facility of a finger print reader, the entire customer details can be obtained by the bank.

The ATM card and the checks would be posted to the customer's address, aft...